Home Loan Workbook

HOME BUYING BASICS At USA Mortgage we recognize that becoming a homeowner is a milestone in anyones’s life and we are here to turn your loan application into a reality. You are just a few steps away from stepping into your new home. Before you seal the deal, make note of a few important concepts to keep the home buying process on the right track. General Purchasing a home may be your largest financial transaction to date, so paying close attention to detail is critical. With the assistance of your real estate agent and USA Mortgage, you can rest assured that the process will be ecient, smooth, and a great learning experience. You Can Count On Your Real Estate Agent To: • Preview available homes to weed out those that are overpriced or undesirable. • Present to you the homes that suit your needs as you have defined them. • Help you to determine the dierence between a “good buy” and a property that, due to its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future. • Negotiate the best deal for you. With a pre-qualification letter from USA Mortgage, your real estate agent will be able to demonstrate that you are qualified and capable borrower. This will strongly influence the seller and may make the dierence between the seller accepting your oer or someone else’s. You Can Count on USA Mortgage To: • Assist you in selecting the best loan to meet your personal situation and goals. • Keep you informed of your loan status throughout the entire process. • Keep your real estate agent informed of our loan progress. (Please note: your personal information is always kept confidential between you and us; only mortgage milestones and progress will be shared.) You Can Count On Yourself To: • Keep your Real Estate Agent informed of any questions or concerns as they develop. • Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention. • Remain objective throughout the process to eectively make the business decisions that are best for you.

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